jaja.co.uk

4.5
4.5 Based on 81 reviews

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Average Rating

4.5

/
5

81 Reviews

5 Star
79%
4 Star
2%
3 Star
4%
2 Star
6%
1 Star
9%

All Reviews

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Review Time

karl george behrendt
Jaja credit card like all credit card you pay contacted balance and a bit more after a few months of

Jaja credit card like all credit card you pay contacted balance and a bit more after a few months of using the card I got a credit increase👍
The customer service are very god and helpfull pluse you have activities where you can win prizes hell whats not to like

5
Date of experience: Feb 15, 2026
Darran Warson
Poor credit card, 400 limit paid off every month for over a year no increase, so they only get min n

Poor credit card, 400 limit paid off every month for over a year no increase, so they only get min now and a bad review, Aqua is the best, paid off for only 6 months and got a decent increase use these guys they know what their doing...

1
Date of experience: Feb 14, 2026
Michael
Yes i was very impressed with my latest purchase. I have just had my Hi-Fi repaired and i decided to

Yes i was very impressed with my latest purchase. I have just had my Hi-Fi repaired and i decided to pay using my JAJA card as that way i can keep a bit of money on one side in the bank. The purchase went through no problem.

5
Date of experience: Feb 06, 2026
Weekdays in Florence
Was easy to get an account and credit limit. I always paid on time and kept balance low or nil. I sp

Was easy to get an account and credit limit. I always paid on time and kept balance low or nil. I spent with Apple pay no problem, then went to make a £600 payment with Apple pay. Declined. No reason why. Card just blocked. Embarrassing so no problem, use real money for the purchase.

A week later I get scammed by a t shirt website and ask for charge back from Jaja. Provide proof. 3 weeks in still no one answers.

It is for these reasons that I will have paid off my account and closed it. Jaja experience overall negative.

2
Date of experience: Feb 04, 2026
Maciej
Absolutely disgusted with sudden interest rate rised by over .10% and notice of two months to start

Absolutely disgusted with sudden interest rate rised by over .10% and notice of two months to start take effect Predatory behaviour and chat in customer service with 3 people during one chat and 10 min wait between answers...Im closing this account.

1
Date of experience: Jan 28, 2026
Antony Barnes
The easiest credit card application I've encountered

While searching for a credit card that meets my needs, I can confidently say this is the simplest application to use. Before receiving my card, I applied for over four others, some of which I struggled to activate. Overall, this has been a very positive experience.

5
Date of experience: Jan 23, 2026
Wolfgang Carter
Initially Promising, But Greed Took Over

Started off well and was easy to navigate, but then came a surprising interest rate increase of 16% for no apparent reason. Until this rate drops, I won't be using the card again. They have six months to resolve this, or I will take my business elsewhere. I have two other cards in good standing, and none have raised rates like this. Come on, the company can do better!

2
Date of experience: Jan 07, 2026
Chet Turner
Easy sign-up but transfer issues encountered

The sign-up process was straightforward, and the transfer offer was the main reason for my registration. However, when I attempted to make the transfer, I was informed that it wasn't permitted. It's puzzling since that was the primary purpose of the balance transfer. This has turned into a frustrating experience, and now I find myself with a credit card that I will need to cancel.

2
Date of experience: Jan 06, 2026
Howard Butler
Changing the Terms

Everything was going smoothly until I received an email announcing an increase in the APR to 41%. It's frustrating to only communicate through a chatbot. I will definitely transfer my balance to another card. This company lacks integrity.

2
Date of experience: Dec 17, 2025
Lydia H.
Card Feature Malfunction

I've recently signed up for a credit card and installed the app. Most functions are fine, showing my credit limit, but the 'Card' button returns an error. The in-app chat with the AI bot couldn't assist me either. After completing the registration and reading the welcome email, I expected everything to work. If the button issue is due to not activating the physical card, I'm unsure how to proceed since it’s not functioning.

3
Date of experience: Dec 17, 2025

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